Matrix Mastercard® credit card

All credit accepted. Card reports to credit bureaus and has a min of $500 credit

Updated: Sep 17, 2021

Advertiser Disclosure

Issued by Bank of Missouri and serviced by Continental Finance Company, the Matrix Mastercard credit card is designed for those with bad credit who are looking for an unsecured card for establishing credit and would like to carry real Mastercard credit card.

ANNUAL FEE

See Terms

ONGOING APR

See Terms

INTRO APR

N/A

274 User Ratings

Matrix Mastercard® credit card

This card is not available right now.

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Introductory APR

N/A

Intro APR Period

N/A

Minimum Credit Score

Bad Credit OK

Key Features

  • All credit types are welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Our Take

The Matrix Mastercard credit card offers issued by the Bank of Missouri an easy way to get a real credit card without being denied due to poor credit. The application is available online. Multiple financial data points will be verified to provide the credit. When an unsecured version of the card is offered, there is no security deposit required to get the card.

Many credit cards require a high credit score or feature a prepaid card. The Unsecured card is neither. It is designed specifically for those with fair to poor credit who are looking to gain a real credit card. The card is not prepaid – it will allow people to make purchases on credit. When the statements come, the cardholder will only be responsible for a percentage of the balance. To avoid paying the interest rate, however, the balance can be paid in full.

When a cardholder gets the card, they will have a low line of unsecured credit. When the monthly payments are made on time and the credit limit is watched, it will be possible to build credit. The account can also be reviewed from time to time to get a credit line increase. As credit improves, a person will be able to get better MasterCard cards with higher credit lines and more features. The card is affordable. There are no application fees to apply for this card. The low credit line will ensure that monthly payments are low as well. The card also reports to the three credit bureaus on a monthly basis. This makes it possible to build a positive credit history faster.

Mastercard is widely accepted around the world. The card can be used online, over the phone, and in person to make necessary transactions. Millions of merchants accept the card, which is why it’s a solid credit product. There is online access to the account 24 hours a day, 7 days a week. A person can log on with a secure username and password. Online, it will be possible to view account balance, credit line availability, and more. Statements can be printed or downloaded. Customer service can be contacted. Bills can be paid online, saving time and money.

The application will ask for basic personal information. Within minutes, the application can be submitted for processing. Once the card has been submitted, the information will be quickly verified. A person can receive a credit decision within a few minutes. If the card is granted, a person will expect to get the card within a few business days. The card can be activated and features will begin immediately.

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Basic Information
Issuer: Bank of Missouri
Network: Mastercard®
Category: Consumer (Regular)
Best Used For:
  • Cards for Bad Credit
  • Co-Branded
  • Instant Decision
Rewards: No
Rates & Fees
Regular APR: See Terms
Regular APR Type:
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: See Terms
Grace Period: See Terms
Late Payment Fee: See Terms

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Non-Affiliate Offer Disclosure
*The information provided for Matrix Mastercard® credit card is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure®. The card issuer did not provide the details, nor it is responsible for their accuracy.

Matrix Mastercard® credit card

Reviews - (4 User Reviews)
Share your experience and rate the Matrix Mastercard® credit card
(Good)
September 24, 2020
Milder Jackson (56-65) - Previous Cardholder
Income on Application
$1521.00
Credit Score
Good (670-739)
Credit Limit
$750
Filed for Bankruptcy
Yes - 5 Years

I would love to come back, and enjoy Matrix again!!!

I ENJOYED MATRIX, IN FACT IT WAS MY FIRST CREDIT CARD! I think my credit approval was $500 and you trusted me, thank you! I would love to come back and asked you to trust me again. I promise I won't mess up mu credit!!! I went out and bought a card. That I could, but couldn't afford it. So I gave it to my brother, and he took care of my payments. Since he did co-sign. He gave me his car and about 6 months later I brought another car, and it got repo. I still had my brother's car, the car he gave me the engine locked. My brother past November 10, 2019. So in the end they put that car on me also. So, now I been without a car for over a year or more. So I learned now, how to appreciate my credit and pay my bills on time!! Credit means a lot to me now!!! So I'm asking for forgiweness, what you decide is alright with me! Thank yo in advance!!
Fees & Charges:
4/5
Features & Benefits:
4/5
Customer Support:
4/5
Application Process:
4/5
Comment (0)

(Average)
September 7, 2020
Julia Vickers (56-65) - Previous Cardholder
Income on Application
$30000
Credit Score
Needs Work (300-579)
Credit Limit
$500
Filed for Bankruptcy
No

I had the card in the past

I had the card in the past I paid on time I closed the account and I can't get a new card for some reason
Fees & Charges:
3/5
Features & Benefits:
3/5
Customer Support:
3/5
Application Process:
4/5
Comment (0)

(Good)
June 22, 2020
Wesley (26-35) - Cardholder
Income on Application
$43302
Credit Score
Don't know
Credit Limit
$300
Filed for Bankruptcy
No

Excellent option for rebuilding credit

I almost lost hope of getting a brand new card due to my past mistakes. I was really surprised when I got approved for my Matrix MasterCard. With just a small deposit of $50, I was given a $300 card limit, which is not ideal but perfect for my situation. I understand that the card has a $75 annual fee, but I guess it’s the price I have to pay for my previous mistakes. Nevertheless, this card gives me the chance to get my credit back on track. I paid my annual fee right away, and the operator informed me they would be extending my credit limit next month, thanks.
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
4/5
Application Process:
5/5
Comment (0)

Matrix Mastercard® credit card

Matrix Mastercard® credit card

Min. Credit Required: Bad Credit OK

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